Allied car insurance review September 2018 | finder.com

Allied car insurance review September 2018

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Backed by Nationwide, Allied offers customized coverage with a network of independent agents.

Many car insurance providers offer a one-size-fits-all policy that leaves little room for personalization. Not Allied Insurance. It gives you the option to customize your policy to find the right combination of coverage unique for your situation. And as an independent, agent-run insurer, it offers in-person support to for a customized car insurance experience.

Description Finding the right auto insurance doesn’t have to be confusing. Allied Insurance has a network of independent agents to help you get customized coverage for your unique needs.
States served Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Roadside assistance Included free
Pay schedule 12 months, 6 months
Claims methods online
New car protection Yes, cars under 3 year old & 15,000 miles

Pros

  • In-person support.
  • 12-month policy terms.
  • Customizable coverage.
  • Extra benefits for bundling policies.
  • Allied mobile app.

Cons

  • No online quote
  • No online account management
Defensive driving discount Yes
Good student discount Yes
Loyalty discount Yes
Homeowner discount Yes
Military discount No
Safety device discount Yes
Special employment discount No
Usage-based discount No
Other discounts Farm Bureau discount Get a premium discount for being a customer of the Farm Bureau

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Who is Allied Insurance best for?

Allied Insurance is an agent-driven insurance provider that’s best for individuals living in one of the 33 states it services who are looking for customized coverage and in-person support. It operates in:

  • Arizona
  • California
  • Colorado
  • Delaware
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Michigan
  • Maryland
  • Minnesota
  • Missouri
  • Montana
  • North Carolina
  • Nebraska
  • Nevada
  • New Mexico
  • North Dakota
  • Ohio
  • Oregon
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin
  • Wyoming

What is Allied Insurance?

Based in Des Moines, Iowa, Allied Insurance was started in 1929 by Harold Evans. Throughout the years, it has expanded from its focus on the Midwest and branched out into several other states.

In 1998, Allied was acquired by Nationwide, one of the nation’s largest home and auto insurance providers. In 2014, a branding change occurred and Allied took on Nationwide’s traditional eagle logo. As a branch of Nationwide, it sits within the top 10 largest auto insurers in the US based on market share.

In the age of smartphones and online everything, Allied Insurance depends on its agents rather than digital quotes and service.

Compare car insurance companies like Allied

Name Product Roadside assistance New car protection Available states
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Root
Included free
No
Arizona, Arkansas, Delaware, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Texas, Utah
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except Alaska, Delaware, Hawaii, New Hampshire, Montana, Vermont, Wyoming
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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What car insurance coverage does Allied Insurance offer?

  • Bodily injury. Covers injuries to others in the case of an at-fault accident.
  • Property damage. Coverage for damage to other vehicles or property for an at-fault accident.
  • Collision. Provides coverage for any damage to your vehicle when you cause an accident.
  • Comprehensive. Covers damages to your vehicle caused by anything other than an accident, such as vandalism, rockslides, wildfires and more.
  • Medical payments. Covers injuries to you or your passengers or if your hit by a car while walking or running.
  • Personal injury protection. Covers medical expenses and lost wages for you and your passengers. This is only available in some states.
  • Uninsured/underinsured motorists (UM/UIM) coverage. Provides bodily injury coverage if you’re injured by a hit-and-run driver or someone without enough insurance. Coverage is also available if you’re in an accident while on foot.
  • Rental reimbursement. If your car is in the shop due to an accident, this covers costs for a car rental, bus ticket or other form of transportation.

What other benefits does Allied offer?

Aside from the standard auto insurance offerings, Allied allows you to customize your policy with its Allied Rewards program. Some of the options include:

  • Accident forgiveness. Worried about your rates increasing after an accident? Have no fear: With accident forgiveness, you won’t be penalized for one accident or traffic violation — even if you’re at fault — if you have a good driving history. You’re allowed one forgiven accident every three years per policy.
  • Good-As-New. If you total a car that’s less than three years old, Allied covers the costs to buy a brand-new car. Any car older than three years is replaced with gap coverage, paying the difference between your coverage and how much you owe on your car loan.
  • Roadside assistance. Don’t worry about being stranded on the road. Roadside assistance helps with towing, fuel delivery, jump-starts, flat tires and locked keys. You can choose from basic or high-level coverage.
  • Vanishing deductible. For every year of safe driving, get $100 shaved off your deductible — up to $500.
  • Total loss deductible waiver. Adding this option to your policy means you won’t have to pay your deductible if your car is totaled.

Allied Extra

When you bundle your home and auto insurance with Allied, your rate is locked for 12 months. You’ll also get access to Allied Extra, which has benefits that include:

  • A single deductible. Only pay one deductible for a claim when both your home and auto are affected by the same event, like a tornado or hurricane.
  • Bonus emergency lockout. Pays for a locksmith if you lock your keys in your home or car.
  • Bonus airbag replacement. Pays for a new airbag if the previous one deploys accidently.
  • Bonus accident death benefit. Pays $10,000 if you die in a covered accident involving your car.

Allied car insurance rates

Allied Insurance is all about that dependable, in-person support. As a result, it’s hard to pinpoint exact rates with an online quote tool. You’ll have to pick up the phone and talk with an Allied Insurance agent to get a feel for the rates they offer.

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What discounts can I get with Allied Insurance?

Allied Insurance offers many programs with discounts and incentives. As with most auto insurance providers, you’re going to find the standard options, including:

  • Multi-policy discount. Enjoy a lower premium on your auto insurance if you also have a life insurance or annuity contract with Nationwide.
  • Multi-vehicle discount. Insure more than one vehicle to unlock savings.
  • New vehicle discount. Just buy a new set of wheels? You’ll get rewarded with lower premiums for insuring a newer car.
  • Accident-free discount. Earn a discount every year you drive without an accident.
  • Good student discount. Students who maintain at least a B average will qualify for savings.
  • Early pay discount. Enroll in autopay to get a one-time discount on your premium.
  • Prior carrier discount. If you’ve never insured with Allied before, you could qualify for a discount just for being a new customer.
  • Farm Bureau discount. If you live in California, Ohio, Delaware, Maryland or Pennsylvania and you’re a customer of the Farm Bureau, you could score savings on your policy.

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What’s not covered by Allied car insurance?

Allied insures many different makes and models, but not every car is covered. For many insurance providers, that might mean luxury cars like Porsche and Mercedes, but Allied doesn’t specify on their site which cars aren’t covered.

Products and discounts also vary from state to state, including personal injury protection, which isn’t available in all states.

Check with your local agent for information on what you can qualify for.

Are there any coverage maximums with Allied?

The bonus accidental death benefit you get through the Allied Extra program goes up to $10,000. Otherwise, coverage maximums vary by state, so you’ll need to contact your local agent for more information.

Pros and cons of Allied car insurance

Pros

  • In-person support. An Allied independent agent is available 24/7 for questions about your policy or need assistance.
  • 12-month policy terms. While most auto insurers offer a standard six-month policy term, Allied gives you the option of choosing a 12-month term.
  • Customizable coverage. With the Allied Rewards program, you can choose from special coverage options to create a policy that best meets your needs.
  • Extra benefits for bundling policies. Unlock extra perks when you bundle your home and auto policies through the Allied Extra program.
  • Allied mobile app. Pay your bill, file a claim, view your policy information and more through Allied’s free mobile app.

Cons

  • No online quote. Everything is done through an Allied independent agent.
  • No online account management. You can access your account online or through the app to view your policy or print ID cards, but if you want to change things, you’ll have to go through your agent.

What do customers say about Allied car insurance?

Nationwide, which is Allied Insurance’s parent company, has been accredited by the Better Business Bureau since 1955 and earns an A+ rating based on 100 customer reviews. As of June 2018, 98% of these reviews are negative, with customers complaining of Nationwide’s long claims process and unhelpful adjusters.

However, online reviews for Allied Insurance specifically are mixed. While many reviewers say they experienced excellent customer service and a smooth claims process, others experienced the exact opposite. As an Allied customer, your experience with the company might depend on the nature of your claim and the agents you speak with.

Keep in mind customer reviews are only one part of the decision-making process when it comes to choosing the right auto insurance provider.

How to apply

Unfortunately, Allied Insurance doesn’t offer an online quote tool, so you’ll need to contact a local agent to get an estimate on how much a policy will cost you.

What info do I need to apply?

To receive a free quote, you’ll need to provide:

  • Your personal information, including your driver’s license number and birth date.
  • Info on your driving history.
  • Details on the vehicles you wish to insure.
  • Details on the drivers who will be listed on the policy.

How do I find an Allied Insurance agent near me

  1. Visit the Allied Insurance site and put in your ZIP code in the top right menu option.
  2. A list of local agents will pop up, along with their contact information.
  3. Choose the insurance agent most convenient for you.

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How to make a claim

With Allied Insurance, you can file a claim:

  • By phone. Call the 24/7 claims support team at 800-282-1446.
  • Online. Go to the Allied Insurance website and login to your account to start the claims process.
  • Through the app. Launch the Allied mobile app and click Start Auto Claim.

Whichever option you choose, you’ll need to provide information including your policy number, the accident location and details on what happened, info for the other drivers involved and photos, if you have them.

How to contact Allied Insurance

For policy, billing and claim questions. Call 800-282-1446 — available 24/7.

For general inquiries. Contact Allied’s home office at 800-532-1436.

For a comprehensive solution, you can also download Allied’s free mobile app for Apple and Android. The app lets you view your coverage, make a claim, make payments, connect with your agent and get roadside assistance.

Does Allied Insurance offer other types of insurance?

Yes, Allied offers a number of other insurance products for both individuals and businesses, including:

  • Home insurance. Whether you’re in need of homeowners, renters or condo insurance, Allied has you covered.
  • Inland marine insurance. Insure your art, antiques, jewelry and more with additional protection beyond your homeowner’s coverage.
  • Powersports insurance. Have fun and stay protected with coverage for your motorcycle, boat, RV, ATV or snowmobile.
  • Personal umbrella insurance. Secure your family against potential lawsuits that can put your personal assets at risk.
  • Identity theft protection. Safeguard yourself in the event that your wallet is stolen, you fall prey to an email scam, your info is involved in a corporate data breach and more with this product.
  • Life insurance. Secure your family for the future, save for your kid’s college or create an inheritance with one of Allied’s life insurance policies.
  • Business insurance. No matter if you run a golf course, flower shop or senior living facility, Allied offers coverage to help secure your business.
  • Surety bonds. Offers contract, commercial, court and fidelity bonds to protect your business interests in a number of different situations.
  • Commercial auto insurance. Get liability, comprehensive, collision, UM/UIM and more coverage for your fleet of business vehicles.
  • Commercial property insurance. Safeguard your equipment, facilities and inventories with a customized policy that fits your unique business.
  • General liability insurance. Includes bodily injury and property damage liability, medical payments, personal and advertising injury liability and more to protect you when accidents happen on the job.
  • Commercial umbrella insurance. Cover your business in the event of an unexpected lawsuit by opting for umbrella insurance.

What car insurance providers are similar to Allied Insurance?

If you’re looking for an auto insurance provider that offers customizable coverage like Allied, then Liberty Mutual might be a good choice. On top of its standard coverage, it also offers policy add-ons including: accident forgiveness, lifetime repair guarantee, new car replacement, eliminating deductibles and more.

Other providers that offer mobile apps, similar to Allied’s, where you can pay your bill, start the claims process and access your insurance card via your smartphone include Geico, Esurance and Progressive. For those tech-savvy individuals who prefer communicating through an app rather than in person, these providers may be worth considering.

Compare car insurance providers like Allied

Name Product Roadside assistance New car protection Available states
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Root
Included free
No
Arizona, Arkansas, Delaware, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Texas, Utah
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except Alaska, Delaware, Hawaii, New Hampshire, Montana, Vermont, Wyoming
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

Bottom line

In business since 1929, Allied Insurance has made a name for itself as being dependable and providing personalized service. It’s not as instantly recognizable as its parent company, Nationwide, but it offers a slew of customizable coverage options to help drivers meet their individual needs. And through its mobile app, you can access roadside assistance or file a claim — making not-so-great situations a bit easier to manage.

Not convinced Allied is for you? Compare your car insurance options to find one that offers exactly what you need.

Frequently asked questions about Allied Insurance

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Roslyn McKenna

Roslyn McKenna is an assistant publisher for car insurance at finder.com. With a love of everything nerdy, Roslyn puts her passion for writing to good use by empowering our readers to get what they want from their money. Her goal is to help people get a great deal on car insurance so they can enjoy the ride.

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